Umbrella Insurance

At ESI you can get the umbrella insurance policy to protect you when your policy coverage is limited.

An umbrella insurance policy makes provision for the excesses that other forms of liability insurance do not cover. Insurance policies cover one aspect or a combination of many aspects of the client insurance needs but the risks are not exhaustive so there is a need for a holistic policy which as the name implies provides coverage for the liability risks not covered by your policy.

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Umbrella Insurance Policy

The umbrella insurance policy covers liabilities that your insurance policies did not cover. It does not provide coverage for the property of the insured, but for liabilities due to damage to someone’s property or injury to them that are not covered.  

IT OFFERS YOU Liability Coverage

As a personal liability insurance policy, umbrella insurance provides insurance coverage in excess for other insurance policies such as auto insurance, homeowners insurance, and car insurance especially when they reach their limits.

It is holistic to include all other liabilities that insurance policies do not cover. It provides extra liability protection.

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Liability insurance covers injuries to other persons but that is dependent on the policy coverage. When the policy has reached its limit, it is the umbrella insurance that offers policy protection. This coverage includes the medical expenses incurred as a result of the bodily injury.

Legal coverage FOR YOU

Umbrella insurance also protects against the financial implications of legal issues when the insured is sued in areas that his liability policy does not cover.

At ESi you can get the umbrella insurance policy to protect you when your policy coverage is limited. Contact us to get started.

Workers Compensation Insurance

This workers compensation insurance policy is widely known as (workers’ comp). It is an insurance policy that compensates workers in the event of injuries incurred or accidents while working.

Universal Life Insurance

Universal life insurance policy like all other life insurance policies provides a lump sum as compensation to the beneficiary of an insured person, especially when they are no more. It is unique for having a special cash value package.

Professional Liability Insurance

This policy protects professionals like accountants & physicians from claims of negligence that can be brought up by clients. You need to have this insurance coverage so that you will not suffer untold financial losses due to errors.

Cyber Liability Insurance

This policy provides insurance coverage for the information in your computer and database so that in the event of a cyber-attack, hacking, or virus attack, you will be compensated for the financial burden it caused.

Inland Marine Insurance

Inland marine insurance compensates for losses on any movable property, especially products that are in transit. It ensures you get compensated for damages done to your property while there are being transported.

Workers Compensation Benefits

ESI offers workers’ compensation benefits to ensure that the organization doesn’t have to bear the financial burden for work related injuries to employees. Some of the benefits provided by this policy include disability, medical coverage, rehabilitation, and death.

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